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Hi, went ahead and cancelled monthly contributions and openned up a new Roth for DW. Choose one of the Target/lifecycle fund.
Will leave the T. IRA where it is. I looked into converting but thought against it since there will be a penalty fee for early withdrawal and then the taxes to take out would be high as our tax bracket is high so that would leave her with less money to work with. If I thought wrong, please correct.

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